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Archive Services

Optimize your decisions through increased profitability

Optimize the management of your existing accounts by refining your portfolio management tools to identify areas that present the highest potential profit and the highest risk.

With Experian’s archived data, you can channel the power of historical data to:

Make objective, consistent and efficient evaluations for customer acquisition

Strengthen your customer management and control

Increase the profitability of your current and collection portfolios

A Wealth of Historical Information

Experian® retains historical data on a monthly basis for the previous eight years. Archived data consists of Experian credit information which includes trade, inquiry and public record files. Additionally, attributes and scores are also returned. All data returned contains no consumer identification information, enabling you to analyze credit data without regulatory restriction.

Predict, Validate, Test, Improve

You can use archived data for:

Market profiling and strategy assessments — Understand how your customer segments have changed in the new economy. Determine if new, more profitable customer groups now exist, or find emerging markets that provide new opportunities.

Validating and adjusting criteria of existing custom scoring models — View patterns, such as an increase or a decrease in risk that may be developing within your portfolio. Use this knowledge to improve portfolio strength by changing scorecard cutoff strategies or policy rules.

Conducting Champion/Challenger testing — Test and evaluate scorecards and strategies to determine which are most effective.

Analyzing nonresponders — Test and improve the effectiveness of your direct-mail programs. With archived data, you can compare the characteristics of customers who have responded to your offers with those who have not and adjust mailing strategies accordingly.

Input Options

Flexible input options are available. Provide us with a list of your customers/prospects, or have us pull a sample population. With greatly expanded analytic capabilities, we can pull a list for you based on demographic and credit criteria.

Output Options

Standard output — All consumer identification (including any other elements unique to a consumer and any information by which the customer could identify the consumer) must be stripped prior to output to the customer or thirdparty processor. As such, no inquiries need to be logged to the file.

Additional processing by Experian — You provide performance data (or other data) to Experian, and we will append archive data, which will be stripped of consumer identification prior to output.

Additional third-party processing — Experian sends archived credit data with a match key (i.e., sequence number) to a third-party processor, so data from additional sources can be appended. This option requires a specific third-party processor agreement to be in place before the data can be released.

Additional processing by client — If you have a database of customer identification that contains performance data and demographic data, you may assign a sequence number to each file. You must certify that you have destroyed the link between consumer identification information and the sequence number before Experian will return the appended credit data.

Harness the Power of Your Portfolio

The more you know about existing or potential customer behavior, the better you can manage your business. With archived data, you can generate powerful business intelligence about

your accounts to make smart, profitable credit decisions.

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